The CBRC is responsible for linking inventory with loans from different places, and shall not charge by loans, charge by floating profits, tie-in loans, float to the top, or pass on costs. Simply put, in the process of lending, banking financial institutions must be separated from the deposit business, and deposits should not be the main premise of lending. In addition, he has four open conditions: reasonable fees, high-quality pricing, openness and transparency, and reducing fees and making profits. When collecting the service fee, he will follow the unified pricing, and the price of the service must reflect the principle of openness and transparency. The preferential targets of financial services are limited to small and micro enterprises, vulnerable groups, social welfare and three rural enterprises.
Legal basis:
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Foreign companies can apply for business loans in Wuxi.
Yes, foreign companies can apply for commercial loans in Wuxi. Wuxi Banking Regulatory Bureau launched the policy of "loans for operating in different places" to encourage foreign companies to develop in Wuxi and support foreign companies to settle in Wuxi. Foreign companies can apply for commercial loans from Wuxi Banking Regulatory Bureau to support their development in Wuxi.
Can banks grant loans to enterprises in different places?
Banks can issue loans to enterprises in different places, as long as the enterprises in different places meet the bank's loan threshold and pass the loan review. Foreign enterprises applying for loans in local banks may not have relevant preferential policies. Most local banks will provide preferential policies for local enterprises to apply for loans, so it will be more cost-effective for foreign enterprises to apply for loans at the bank where the enterprises are located.
However, it is the freedom of the enterprise to apply for a loan at which bank. Please pay attention to the repayment on time after the loan application is successful.
Can I get a loan with a business license in different places?
Of course. Similar to personal loans, business owners and individual industrial and commercial households need to provide business licenses. The essence of business license loan is business loan business, and business license itself is one of the important materials in this kind of loan business. To apply for a loan through a business license, you must meet the following conditions: 1. You have a fixed business place (you need to conduct on-site investigation and provide rent payment or property certificate of the business place), and the projects you operate are legal. 2. The normal operation time is one year, and it takes six months for some lending institutions to relax their requirements. 3. It is in good operating condition and has stable revenue capacity (proof of public water for nearly half a year is required). 4. The person in charge of the borrower needs to keep a good credit record. 5. You also need to open a deposit account in a loan bank.
It should be noted that it does not mean that you can borrow money as long as you have a business license. In addition to the above conditions, there are also requirements for the business license itself: 1. The registration date of business license is generally more than 6 months for lending institutions, not less than 1 year for commercial banks, and more stringent for foreign banks, requiring more than 3 years. If it involves the transfer of business entities (enterprises or self-employed individuals transfer their hands to another enterprise or self-employed), it is required that the legal person change must be over one year. 2. The name and business scope of the lending institution also have clear requirements. Due to the influence of various policies, lending institutions generally have prohibited and restricted industries. If the name or business scope on the business license only reflects these industries, the loan is not easy to pass the examination and approval. The registered capital on the business license is sometimes very important. Registered capital can also reflect the hard power of enterprises or self-employed, and naturally the higher the better. In order to reduce the loan risk, some lending institutions even require minimum registered capital.
Materials to be prepared for business license loan 1. Original and photocopy of business license, original and photocopy of tax registration certificate, original and photocopy of organization code certificate (only business license is required for the integration of three certificates); 2. Tax receipts for the last three months; 3. Articles of association; 4. Capital verification report; 5. Upstream and downstream contracts in recent March; 6. Sales documents or VAT invoices; 7. Providing tap water to the public in the last six months; 8. Financial statements of the past 1 year (necessary information for operating loans and evidence for consumer loans).
General process of business license loan 1. The borrower consults with the lending institution to handle the business license loan; 2. According to the requirements of lending institutions, provide relevant information on business license loans and apply for loans; 3. Wait for the bank or small loan company to review. If approved, go to the bank to sign a loan contract. If it is a mortgage loan, you need to go through the mortgage registration procedures; 4. When issuing loans, the borrower can repay the loan principal and interest as agreed in the contract. Business license loan interest loan interest is often not fixed, which is related to the borrower's comprehensive qualifications. However, according to the situation of ordinary commercial loans, the interest of business license loans is generally around 2 points (2% monthly interest rate, corresponding to 24% annual interest rate). How much business license loans can be lent, and how much to lend, also depends on the borrower's conditions. If you apply for a credit loan, you can borrow up to 1 10,000. In case of real estate mortgage, you can generally mortgage 60-70% of the real estate assessment price with a loan, with a maximum of10 million.
Can the assets of Zhejiang enterprises in other provinces be loaned?
It can be financed by loans from different places.
Some small and medium-sized enterprises sell a wide range of products, or provide supporting parts for some large enterprises, or are loose subsidiaries of enterprise groups. In the process of producing cooperative products, it is necessary to supplement production funds. You can find a lead bank to provide loans to the group company in a unified way, and then the group company will provide the necessary funds to the cooperative enterprise, and the local bank will cooperate with the contract supervision. It can also be jointly provided by the lead bank and the cooperative enterprise's banks in different places to provide loans respectively.
Can the company borrow money from other provinces?
Legal analysis
Except for a few online loan companies, regular small loan companies are only allowed to do business locally and must go to the company in person. Do not charge pre-loan fees or withhold interest, and never use the bank account under the name of an individual (so-called legal person, manager or financial controller) to charge fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies.
legal ground
Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.